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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,181 | $72,273-56.9% | $101,275-69.2% | $79,856-61.0% |
| Participation rate | 69.2% | 68.5%+0.8pp | 75.8%-6.6pp | 69.6%-0.4pp |
| Annual return | 16.56% | 22.30%-5.7pp | 46.48%-29.9pp | 31.71%-15.1pp |
| Employer contribution / active EE | $18,267 | $2,691+578.8% | $3,660+399.1% | $2,471+639.2% |
| Participant deferral / active EE | $708 | $3,282-78.4% | $4,371-83.8% | $3,741-81.1% |
| Admin fee / account holder | $5,580 | $4,401+26.8% | $5,948-6.2% | $5,306+5.2% |